Which of the following is NOT a component of sensitive authentication data?

Sensitive authentication data refers to information that is critical in validating the identity of a user or cardholder when conducting financial transactions, particularly in the context of payment card transactions. This data is essential for ensuring security and compliance with standards such as the Payment Card Industry Data Security Standard (PCI DSS).

The correct choice is user preferences, as it does not constitute sensitive authentication data. User preferences typically involve settings or choices made by an individual regarding how they want their account or interactions managed. Examples include language preferences, notification settings, or layout choices for a user interface. These types of data do not play a role in the authentication process and, therefore, are not sensitive from a security perspective.

In contrast, the other options—cardholder name, Primary Account Number (PAN), and card service code—are all critical components of sensitive authentication data. The cardholder name identifies the individual associated with a card, the PAN is a unique identifier for a card account, and the card service code specifies the services available with the card. Each of these elements is vital for verifying identity and authorizing transactions, highlighting the importance of safeguarding them from unauthorized access.